Avoid Unnecessary Charges and Fees

Get On With Your Day Fast and Free with Online Cash Services

Paying bills, making purchases, and moving funds around is just a part of life. But that doesn't mean it should be hard or take up your whole day. With Online Cash Services, you can quickly and easily:

Set up free recurring bill payments—and save time with online bill pay

Easily Manage Your Cash from One Account

Why settle for multiple bank accounts when you can have the flexibility to trade, invest, spend and pay bills from one TD Ameritrade account. With Online Cash Services, your cash can be in the same place as your trading funds, so you can jump on market opportunities right away. Plus, you can move money between accounts and pay bills, quickly and easily.

More Cash Features

Additional FDIC Protection - Money in an Insured Deposit Account (IDA) can be deposited into two banks allowing you to obtain up to twice the standard FDIC coverage.

Earn interest - Put your cash to work. Even when your balance isn’t invested in securities, it will still be earning interest. See interest rates.

Personalized Help - Speak to one of our Online Cash Services specialists 24/7 at 800-454-9272 to set up your account, activate features, or make a transfer.

TD Ameritrade Client Rewards Card

Turn the money you spend every day into the money you could invest for the future—apply for the TD Ameritrade Client Rewards Card. With an exclusive 10% bonus when you redeem your rewards into an eligible TD Ameritrade account, it's a credit card designed with your needs in mind.

Rewards that Fit Your Needs

1.5% in rewards on purchases—no caps, no limits***

600+ flexible reward choices including cash, merchandise, gift cards, and statement credits that can be redeemed however and whenever you want

10% bonus when you redeem your rewards for cash back into an eligible TD Ameritrade account***

No annual fee***

Built-in microchip to help protect against fraud

Access to live, 24/7 customer service from TD Bank, the card issuer

What Your Financial Services Firm Should Be

See what sets us apart from the rest with our top 6 reasons to choose TD Ameritrade.

*Offer valid for one new Individual, Joint or IRA TD Ameritrade account opened by 3/31/2017 and funded within 60 calendar days of account opening with $3,000 or more. To receive $100 bonus, account must be funded with $25,000 or more within 60 days of account opening. To receive $300 bonus, account must be funded with $100,000 or more within 60 days of account opening. To receive $600 bonus, account must be funded with $250,000 or more within 60 days of account opening. Offer is not valid on tax-exempt trusts, 401k accounts, Keogh plans, Profit Sharing Plan, or Money Purchase Plan. Offer is not transferable and not valid with internal transfers, accounts using the Amerivest service, TD Ameritrade Institutional accounts, current TD Ameritrade accounts or with other offers. Qualified commission-free Internet equity, ETF or options orders will be limited to a maximum of 500 and must execute within 60 calendar days of account funding. Contract, exercise, and assignment fees still apply. Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account. Taxes related to TD Ameritrade offers are your responsibility. Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules (Offer Code: 220).

**Bill pay, check-writing privileges, and debit cards are provided free of charge. Fees for checks in quantities over 100, stop payment, and returned checks apply. A funded TD Ameritrade account, a personal computer, Internet access, and an appropriate Web browser are required to use the online bill pay services. TD Ameritrade will not charge you a fee for withdrawing funds from any ATM nationwide. Should the ATM operator charge you a fee, TD Ameritrade will refund the amount of the fee assessed. TD Ameritrade prohibits the fraudulent or excessive use of ATMs and reserves the right to modify or discontinue the ATM fee rebate at any time. Additional terms and conditions apply. See our commission and brokerage fees for details.

Cash in the IDA is held at TD Bank, N.A., TD Bank USA, N.A., or both. Assets at each bank will be eligible for FDIC insurance of up to $250,000 per depositor. Because there are two banks in the IDA program, IDA balances could be covered for up to $500,000 per depositor. TD Bank N.A. and TD Bank USA, N.A. are affiliates of TD Ameritrade.

***Subject to credit approval. Please see TD Ameritrade Important Terms and Disclosures for rate, fee and rewards information. Points do not expire for as long as your account is open and in good standing. This card is issued by TD Bank, N.A. TD Bank, N.A. and TD Ameritrade are affiliated through their parent companies.

TD Ameritrade was evaluated against 15 others in the 2016 Barron’s Online Broker Review, March 19, 2016. The firm was ranked 1st in the categories “Best for Long-Term Investing”, “Best for Usability”, “Best for Research Amenities”, “Best for Portfolio Analysis & Reports”, and “Best for Novices.” TD Ameritrade was also awarded the highest star ratings (4.5) in “Best for Options Traders” (shared with 2 others) and (4) in “Best for In-Person Service” (shared with 4 others). Also received 4 stars in “Best for Frequent Traders”. Star ratings are out of a possible 5. Barron’s is a trademark of Dow Jones. L.P. All rights reserved.